Synctera · Schema

disclosure_type

Describes the regulatory requirement that triggered the disclosure. One of the following: * `ACH_AUTHORIZATION` – The ACH Authorization & Agreement Disclosure serves as a method of disclosing and obtaining consent from a consumer to conduct ACH and pre-authorized electronic transactions to and from their account. Record of obtaining this consent should be retained, in accordance with Reg E, for no less than 2 years from the date the disclosure was made to the consumer. * `CARDHOLDER_AGREEMENT` – The Cardholder Agreement is a legal document that details the terms of a card agreement between either a consumer or a business, and the financial institution that issues the card. The Agreement governs the use of the account. * `E_SIGN` – US law with rules around electronic agreements/documents/disclosures: used to obtain consent from consumers to receive electronic communications (agreements, disclosures, statements, etc) about their accounts. * `KYC_DATA_COLLECTION` – Document advising the customer that you will collect their personal information (name, date of birth, tax ID, etc.) and will be validating their information against external data/documentation. * `PRIVACY_NOTICE` – Document that tells customers what is done with their non-public information, who it is shared with, how is is secured, and how they can opt out of it being shared beyond Synctera. * `REG_CC` – US regulation that implements the Expedited Funds Availability Act: describes standards for when a financial institution makes funds available in a deposit account. * `REG_DD` – US regulation that implements the Truth in Savings Act, to inform customers about the terms and rules for a deposit account. * `REG_E` – US regulation that implements the Electronic Funds Transfer Act: covers liability for electronic transactions, disputes for fraudulent or unrecognized electronic transactions, and consent for electronic debits from a consumer's account. * `TERMS_AND_CONDITIONS` – A detailed agreement between you and the consumer for the structure, terms, fees, charges, rates of the product or service, and the rules for the relationship between you and the consumer.

FinTechBaaSBankingPaymentsCard IssuingKYC

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JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/disclosure_type",
  "title": "disclosure_type",
  "description": "Describes the regulatory requirement that triggered the disclosure.\nOne of the following:\n* `ACH_AUTHORIZATION` \u2013\n    The ACH Authorization & Agreement Disclosure serves as a method of disclosing\n    and obtaining consent from a consumer to conduct ACH and pre-authorized\n    electronic transactions to and from their account. Record of obtaining this\n    consent should be retained, in accordance with Reg E, for no less than 2 years\n    from the date the disclosure was made to the consumer.\n* `CARDHOLDER_AGREEMENT` \u2013\n    The Cardholder Agreement is a legal document that details the terms of a card\n    agreement between either a consumer or a business, and the financial\n    institution that issues the card. The Agreement governs the use of the\n    account.\n* `E_SIGN` \u2013\n    US law with rules around electronic agreements/documents/disclosures:\n    used to obtain consent from consumers to receive electronic communications\n    (agreements, disclosures, statements, etc) about their accounts.\n* `KYC_DATA_COLLECTION` \u2013\n    Document advising the customer that you will collect their personal information\n    (name, date of birth, tax ID, etc.)\n    and will be validating their information against external data/documentation.\n* `PRIVACY_NOTICE` \u2013\n    Document that tells customers what is done with their non-public information,\n    who it is shared with, how is is secured,\n    and how they can opt out of it being shared beyond Synctera.\n* `REG_CC` \u2013\n    US regulation that implements the Expedited Funds Availability Act:\n    describes standards for when a financial institution\n    makes funds available in a deposit account.\n* `REG_DD` \u2013\n    US regulation that implements the Truth in Savings Act,\n    to inform customers about the terms and rules for a deposit account.\n* `REG_E` \u2013\n    US regulation that implements the Electronic Funds Transfer Act:\n    covers liability for electronic transactions,\n    disputes for fraudulent or unrecognized electronic transactions,\n    and consent for electronic debits from a consumer's account.\n* `TERMS_AND_CONDITIONS` \u2013\n    A detailed agreement between you and the consumer for the\n    structure, terms, fees, charges, rates of the product or service,\n    and the rules for the relationship between you and the consumer.\n",
  "enum": [
    "ACH_AUTHORIZATION",
    "CARDHOLDER_AGREEMENT",
    "E_SIGN",
    "KYC_DATA_COLLECTION",
    "PRIVACY_NOTICE",
    "REG_CC",
    "REG_DD",
    "REG_E",
    "TERMS_AND_CONDITIONS"
  ],
  "type": "string"
}